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Aadhaar Card Loan Details

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Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Aadhaar Card Loan Details

The absence of proper documentation was one of the primary reasons for loan rejections in the past. The Aadhar card has become a lifesaver in such scenarios now and has helped the people and financial institutions equally in the documentation process. It has made the loan processing time shorter and effective saving both time and efforts. It is the Aadhar card that has made instant disbursal of loans with online verification of applicants through e-KYC a reality. If you are looking for an Aadhaar Loan, there are certain things that you should be aware about. Let's take a look. 

Aadhaar Card Loan Details - What you should know

Salaried individuals especially those who had relocated to different cities faced immense difficulty in getting a loan, now with Aadhar card loan details being available pan-India, they have easy access to a fast personal loan. The digitized procedure of checking for personal information and other details using e-KYC that is used by the fintech companies like Qbera has made the process fast and hassle-free along with minimal documentation. The digital technology like Aadhar card has revolutionized the loan granting process making it much faster. The average turnaround time for loan disbursal by companies such as Qbera is as less as 24-48 hours provided the documents are in order. The access to fast online loans has changed the outlook of salaried individuals in viewing personal loans as an ideal solution in case of financial emergencies.

The upside of loans by fintech companies is that even if you have a low CIBIL score, you still have a chance; provided you meet their internal standards and have proper documents. Aadhar cards and Pan cards helps validate the application making it possible to quickly approve it. Qbera does process loans for individuals with a CIBIL score of 575 and above. If your net take home salary is Rs. 20, 000/-per month, and you age fall in the 23-55 years category, you can avail a personal loan.

The mandatory documents are:

  • Aadhaar Card
  • PAN Card
  • Proof of address
  • Salary and income documents
  • Photographs
  • Cheques of your salary account

All fintech companies have internal processing standards for the CIBIL score and other documents. A loan is granted only on successfully meeting those criteria. Aadhar card has made loans processing quick with minimal paperwork, thereby making them as the first choice in case of immediate funding. The loan amount is directly disbursed to the bank account and there is no restriction on the usage. It can be used to plan a vacation, renovate the house, and fund education or marriage- no questions asked. Long repayment tenure ensures that the monthly budget is manageable and doable.

View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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